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Bajaj Allianz My Health Care vs New India Floater Mediclaim
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Bajaj Allianz My Health Care with similar Health Insurances
New India Floater Mediclaim with similar Health Insurances
Compare Bajaj Allianz My Health Care and New India Floater Mediclaim
Claims Track Record:
Bajaj Allianz My Health Care
When it comes to settling claims, Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. They have a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Additionally, they've received fewer complaints related to claims compared to other insurers.
New India Floater Mediclaim
New India Assurance Company Limited has a claim settlement ratio of 75.16% and claims incurred ratio of 104.53%. It has settled 74.37% of claims in less than 30 days. The company has received fewer complaints related to claims as compared to other insurers.
Service Experience:
Bajaj Allianz My Health Care
The Bajaj Allianz General Insurance Company Limited offers customer service via toll-free number and Twitter. Both their Twitter response and toll-free response rate are average. In case of any issues or queries, you can contact either of these channels for assistance.
New India Floater Mediclaim
New India Assurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
Product Benefits:
Bajaj Allianz My Health Care
The Bajaj Allianz My HealthCare Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge up to the sum insured. It covers 399 daycare treatments, domiciliary treatments (except 15 illnesses), and modern treatments up to the sum insured. Also, costs associated with harvesting the organ from the donor are covered up to the sum insured as well. The Bajaj Allianz My HealthCare Plan comes with a room rent limit, under which you can select up to a Single Private Room. There is no ICU rent limit or deductible. However, you can opt for an optional copayment of 5% or 10% or 20%. Common treatments/surgeries like cataract treatment are covered up to 20% of the sum insured per eye per policy year subject to a maximum of Rs 1 lakh, and joint replacement surgery is covered up to the sum insured. Under the policy, pre-existing diseases have a 36-month waiting period, and specific diseases/treatments have a 24-month waiting period.
New India Floater Mediclaim
As part of the New India Floater Mediclaim Policy, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 30 days before hospitalisation and post-hospitalisation expenses are covered for 60 days after discharge, both up to the sum insured. Additionally, the plan covers 139 day care treatments and inpatient organ donor expenses up to the sum insured. It also covers modern treatments, but has certain financial sub-limits for various procedures. The New India Mediclaim Floater Policy comes with a room rent limit up to 1% of the sum insured for each day and an ICU rent limit up to 2% of the sum insured for each day. There are no copays or deductibles levied by the plan. Certain common treatments or surgeries come with financial sub-limits, like cataract treatments, which are covered up to Rs 1 lakh per eye per policy year as an option; however, joint replacement surgeries are covered up to the sum insured. The New India Floater Mediclaim Policy has a waiting period of 48 months for pre-existing diseases and a waiting period of 3/24/48 months for specific diseases (varies as per the disease).